| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOEL W. HARVEY3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $112K | — | $112K | 3.38% |
| HARVEY INSURANCE RESOURCES3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | DELTA DENTAL OF TENNESSEE | $15K | — | $15K | 6.50% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.00% |
| JOEL W. HARVEY3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.13% |
| JOEL W. HARVEY3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $946 | — | $946 | 1.26% |
| JOEL W. HARVEY3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.91% |
| HARVEY INSURANCE RESOURCES3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | VISION SERVICE PLAN | $1K | — | $1K | 4.45% |
| JOEL W. HARVEY3 | 494 DOE TRAIL COVE CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 79.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 789 | $3.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 669 | $236K |
| Vision | VISION SERVICE PLAN | 302 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 451 | $77K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $75K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 400 | $151K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 451 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.